Hi, I used to work for Ival and they would NEVER cover your software so that is obviously untrue. Agreed that they would find the cheapest replacement they can why wouldnt they? If you were them what would you do? They always stick to your policy, well they almost rely on you to not read it. It is entirely your fault if you EXPECT to be covered rather than know you are, and then it turns out you are not. People who work for iVal have the best arguement that you cannot get out of, and thats "you'll find in your policy it states we replace based on your specification rather than make, model or the look of the item" (for e.g). The only reason companies like this are around is because people such as yourself (no offense intended) do not read their policy carefully enough and are therefore vulnerable to this kind of thing. I've had many letters from Policyholder's while working there to thank me or the company because they read their policy carefully and KNEW WHAT TO EXPECT. So they were in no way let down by what we offered. At the end of the day iVal/Aviva or whoever you're with are going to try to make money, they're not going to give you the top of the range if they dont have to. Oh and by the way my name isnt andy like my username suggests thats my sons name so if you're thinking you spoke to me once you probably didnt. Thanks